Ground Up Construction
Funding new construction developments from the ground up. Specialized financing for builders and developers.
Why Choose Our Construction Loans?
Specialized financing designed for experienced builders and developers
Fund ground-up construction projects from foundation to completion
Minimize your cash investment with high loan-to-cost ratios
Construction timelines that align with your project schedule
Special terms and rates for qualified builders and developers
Construction Projects We Finance
From single family homes to commercial developments
Custom homes, spec builds, and residential developments
- Up to $3M per unit
- Flexible floor plans
- Quality construction standards
Duplexes, triplexes, and small apartment buildings (2-8 units)
- Higher loan amounts
- Rental income projections
- Investment-grade properties
Attached single-family developments and planned communities
- Phased construction
- Pre-sale programs
- Community amenities
Small commercial buildings, mixed-use developments
- Flexible use types
- Tenant improvement allowances
- Long-term hold options
Construction Loan Terms
Key Benefits
Construction Loan Process
Streamlined approval process for qualified builders
Submit construction plans, budget, and timeline for initial review and pre-approval.
Our team reviews builder qualifications, project feasibility, and market conditions.
Receive loan approval with detailed terms and draw schedule requirements.
Start construction with initial funding and access draws as milestones are completed.
Builder Requirements
Qualification criteria for construction loan approval
- • Minimum 3 years construction experience
- • Completed similar projects
- • Strong track record of on-time delivery
- • References from previous projects
- • Adequate liquidity and working capital
- • Strong credit profile
- • Detailed project budget and timeline
- • Contingency reserves
- • Approved building plans and permits
- • Market analysis and comparable sales
- • Licensed contractors and subcontractors
- • Appropriate insurance coverage
Ready to Build Your Next Project?
Get construction loan pricing and start your ground-up development project today.